Frequently asked questions

What fees will be charged to get advice?

The first meeting with our Adviser is at no charge. This meeting is used to determine whether our services and your requirements are suited. If you decide to proceed with our Adviser/Client relationship our fees will be outlined before proceeding.

Why do I need insurance?

Life Insurance is a way to take the financial risk associated with death or disability and transferring it to large company. Life Insurance gives you choices in the event of a premature death – It means you do not have to sell the family home, and the surviving spouse will not need to take a second job in order to pay the bills. It means your children do not lose their childhood as well as a parent.

For most people, the ability to earn income is their biggest asset. If your income were to cease, how long until your financial plans begin to unravel? Income protection replaces 75% of your income if you are unable to work in the event of an injury or illness.

80% of Australian’s suffer heart attack, cancer or stroke. Trauma Insurance pays a lump sum in the event of approximately 45 medical conditions, regardless of time off work. It can be used to pay for medical expenses, home modifications or lifestyle change.

What is the Advice process?

What is the Claims process?

In the event of a claim, for a illness, injury, trauma or death you should contact our office. Even if you are unsure if you are covered for an event, you should contact us to inquire about your level of cover.

You will be assigned a dedicated claims specialist who will assist you in the initial claim process, which usually requires forms to be completed by the life insured, your Doctor and for Income Protection claims your accountant.

In the event of your death, we will assist your family and loved ones every step of the way.

Your claims specialist will continue to work with you until the completion of your claim. Making the process as easy and stress-free as it should be.

Hear from our clients

“Absolutely amazing. We received the best and most friendly service and assistance we could have asked for. Our future now looks amazing thanks to Simon Little and his team” and “The ease of mind that we can can our bills paid and enjoy retirement when it comes. And knowing my family is ok if something […]